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Seventeen-year-old Catherine Morland is one of ten children of a country clergyman. Although a tomboy in her childhood, by the age of 17 she is "in training for a heroine" and is excessively fond of reading Gothic novels, among which Ann Radcliffe's Mysteries of Udolpho is a favourite.

Catherine is invited by the Allens, her wealthier neighbours in Fullerton, to accompany them to visit the town of Bath and partake in the winter season of balls, theatre and other social delights. Although initially the excitement of Bath is dampened by her lack of acquaintances, she is soon introduced to a clever young gentleman, Henry Tilney, with whom she dances and converses. Much to Catherine's disappointment, Henry does not reappear in the subsequent week and, not knowing whether or not he has left Bath for good, she wonders if she will ever see him again. Through

Mrs Allen's old school-friend Mrs Thorpe, she meets her daughter Isabella, a vivacious and flirtatious young woman, and the two quickly becomes friends. Mrs Thorpe's son John is also a friend of Catherine's older brother, James, at Oxford where they are both students.

James and John arrive unexpectedly in Bath. While Isabella and James spend time together, Catherine becomes acquainted with John, a vain and crude young gentleman who incessantly tells fantastical stories about himself. Henry Tilney then returns to Bath, accompanied by his younger sister Eleanor, who is a sweet, elegant, and respectable young lady. Catherine also meets their father, the imposing General Tilney.

The Thorpes are not very happy about Catherine's friendship with the Tilneys, as they (correctly as it happens) perceive Henry as a rival for Catherine's affections. Catherine tries to maintain her friendships with both the Thorpes and the Tilneys, though John Thorpe continuously tries to sabotage her relationship with the Tilneys. This leads to several misunderstandings, which upset Catherine and put her in the awkward position of having to explain herself to the Tilneys.

Isabella and James become engaged. James's father approves of the match and offers his son a country parson's living of a modest sum, 400 pounds annually, which he may have in two and a half years. The couple must therefore wait until that time to marry. Isabella is dissatisfied, having believed that the Morlands were quite wealthy, but she pretends to Catherine that she is merely dissatisfied that they must wait so long.

James departs to purchase a ring, and John accompanies him after coyly suggesting marriage to the oblivious Catherine. Isabella immediately begins to flirt with Captain Tilney, Henry's older brother. Innocent Catherine cannot understand her friend's behaviour, but Henry understands all too well, as he knows his brother's character and habits. The flirtation continues even when James returns, much to the latter's embarrassment and distress.